2017 Networth

Assets:

• Liquid Cash - $11,416
• This is everything we can easily liquidate incase of emergency without any penalties. TFSA's are included in this category for that reason.
• Retirement - $143,179
• The largest account in here is G's pension. We use the transfer value on his pension statement, as that is what we would be able to transfer to a LIRA (locked in retirement account) if he were to quit. The rest would be my pension and RRSPs.
• Hard Assets (House, Cars (private sale amounts) - $257,000
• House value is what we paid of the house plus a little extra to account for the new windows. Car values are calculated on a yearly basis - they are the private sale figures I was able to calculate online.

Liabilities:

• Mortgage - $154,621
• 16 years and 3 months left on our mortgage! We haven't made any extra payments to this debt but do have an accelerated bi-weekly payment - which helps a little.
• Consumer (Car & Remodel Loan) - $38,049
• Working on this... paid off the LOC though and stayed out of credit card debit!

Current Net Worth: $218,925

(Yearly Increase: $50,768)

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2017 was not a proud year for us financially. Even though we increased our networth, we took on extra debt (in the form of a remodel loan) and spent without much of a plan. We stopped budgeting for the majority of the year, only getting back into it at around August where we finally picked up speed again. It's funny how something as simple as a budget can keep you in check.

Regardless of my negative-Nancy financial outlook, 2017 was pretty amazing for me. Highlights for the year: Exploring Europe for 3 weeks with G and finally getting to see his homeland (Romania)/meeting his side of the family, having my parents come to visit us from Ontario, and our memories with Mocha.

I wouldn't change a thing. <3

- M